Liberty Mutual RightTrack Review

Liberty Mutual RightTrack tracks driving habits and rewards drivers with up to a 30% discount for safe driving. Learn which habits the app monitors so you can get the best discount.

UPDATED: Jul 19, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 19, 2022

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A Concise Overview

  • Liberty Mutual RightTrack doesn’t increase drivers’ rates for poor driving scores 
  • Drivers will earn a small discount for signing up with the program 
  • The app and program are free to download and participate in

Liberty Mutual RightTrack is a usage-based program that rewards safe drivers with discounts on their Liberty Mutual auto insurance policies. If you’re considering the program to save on your auto insurance coverages, it’s important to first weigh the pros and cons by reading Liberty Mutual RightTrack reviews. 

Read on for a full review of the Liberty Mutual RightTrack program, and decide if the app and program are right for you.

Pros of Liberty Mutual RightTrack

Liberty Mutual RightTrack has several advantages for drivers looking to save on their auto rates. Below, we’ve outlined the main pros of the program.

  • App and program are free for users. Joining the program and downloading the app are free for Liberty Mutual policyholders.
  • Discount applies to the policy’s life. Whatever discount you earn will apply to your policy until you cancel your insurance with Liberty Mutual.
  • Good reviews on app stores. For the most part, the Liberty Mutual app has great reviews on Apple’s App Store and Android’s Google Play store.
  • Initial discount for signing up. Liberty Mutual will give drivers an initial discount just for signing up, although they don’t specify the amount. However, the program can earn them up to 30% off their policy. 
  • Program only runs for 90 days. You only have to participate in the program for 90 days to earn your discount.

Since Liberty Mutual RightTrack offers an initial discount, it’s usually for most drivers to participate in the program. While most states use the RightTrack app, some still use the RightTrack device that plugs into your dashboard to track your driving habits.

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Cons of Liberty Mutual RightTrack 

A few cons go along with the Liberty Mutual RightTrack app, which we’ve listed below.

  • Complaints about the app incorrectly recording data. As with any app, some reviews complain about the app incorrectly recording hard braking or speed.
  • Discount is lower than other usage-based programs. The average discount drivers earn is lower than other usage-based insurance programs.

Since Liberty Mutual RightTrack won’t raise your rates like other usage-based programs, there really aren’t many cons to the program.

What data does the Liberty Mutual RightTrack program monitor?

The app records a significant amount of data to determine driver’s scores. Below is a complete list of what relevant data the Liberty Mutual RightTrack app records. 

  • Acceleration and braking
  • Idle time 
  • Location
  • Mileage
  • Speed 
  • Time of day
  • Trip type 

The app also collects other data unrelated to your discount amount, such as phone motion, technology source, battery level, and more. You may not want to use the program if you aren’t comfortable with Liberty Mutual collecting and using this data to set rates.

Deciding if Liberty Mutual RightTrack Is Worth it

For most drivers, Liberty Mutual RightTrack is beneficial. Even if drivers don’t do well in the program and only earn the sign-up discount, they’ll still save money. Since it doesn’t penalize drivers with higher rates for poor driving like other insurers, it’s a risk-free program.

The program is a good choice for drivers with high rates at Liberty Mutual, like high-risk drivers who carry Liberty Mutual SR-22 insurance. Safe drivers with many add-on coverages may also benefit from a rate reduction on their primary coverage to pay for extras like Liberty Mutual towing services.

However, you may not want to participate in the program if you don’t want Liberty Mutual tracking your data. We recommend reading Liberty Mutual RightTrack’s terms and conditions to see how your data gets stored and used if you’re on the fence about the program.

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The Final Word on Liberty Mutual RightTrack 

Liberty Mutual RightTrack helps drivers save on their car insurance policies, offering a sign-up discount and the ability to earn up to 30% off their policy. 

Since the program doesn’t penalize poor drivers with higher rates, it’s worth it for most drivers to sign up with Liberty Mutual RightTrack if they have a Liberty Mutual auto insurance policy. If you’re not yet a policyholder with this company, check out some more general Liberty Mutual car insurance reviews before making a decision.

If you don’t want to participate in a usage-based driving program but want to save money on car insurance, your best option is to shop around and compare quotes. Use our free quote comparison tool to find the best rates from auto insurance companies in your area.

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